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I've had a lot of Martins, and my 1997 HD-28 is my favorite - bought it new back then. It has been my workhorse acoustic, so it has a few dings and a Baggs pickups system installed.
The finish damage most likely came from a cheap guitar strap that used vinyl construction. The vinyl was left in contact with the guitar for a long period of time (days) in the case, and the plasticizer from the vinyl melted a bit of the lacquer on the guitar. This is actually fairly common, or it used to be.
I wouldn't worry about it, it is in a very inconspicuous location.
Just make sure that your straps are made of leather or some inert plastic - the ubiquitous inexpensive nylon straps are good examples of this, they never give me any grief.
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Tech Geek and Sensitive Artiste
String bender ordinare!
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